Dairy State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to total assets rose 0.62 percentage points from Q1 2026 to Q2 2026, ending at 11.25% against 10.64%. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.96% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $89.3M |
| Tier 1 capital | $89.3M |
| Total risk-based capital | — |
| Total equity capital | $82.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.25% |
| Tangible equity to tangible assets | 11.25% |
| Equity capital to average assets | 11.00% |
| Internal capital growth rate | 11.13% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $612K |
| Common stock surplus | $25.2M |
| Retained earnings | $63.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 20.21% | 20.21% | 21.46% | 10.66% | $389.0M |
| Q4 2023 | 18.94% | 18.94% | 20.20% | 10.27% | $403.9M |
| Q1 2024 | 19.80% | 19.80% | 21.05% | 10.23% | $391.2M |
| Q2 2024 | 19.48% | 19.48% | 20.74% | 10.39% | $400.6M |
| Q3 2024 | 19.33% | 19.33% | 20.58% | 10.37% | $408.0M |
| Q4 2024 | 19.78% | 19.78% | 21.04% | 10.49% | $403.6M |
| Q1 2025 | — | — | — | 10.75% | — |
| Q2 2025 | — | — | — | 11.11% | — |
| Q3 2025 | — | — | — | 11.57% | — |
| Q4 2025 | 19.39% | 19.39% | 20.65% | 11.59% | $440.7M |
| Q1 2026 | — | — | — | 11.42% | — |
| Q2 2026 | — | — | — | 11.96% | — |
Dairy State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Dairy State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Dairy State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17162) · FFIEC NIC profile (RSSD 57451)